We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.

Rewards credit cards provide a wide range of perks (some cards are from WalletHub partners). This includes cash back, points or miles on every purchase, plus extra benefits such as airport lounge access and travel insurance. That’s why the right rewards card can help you save hundreds of dollars per year. You just need to pay your monthly bill in full because credit cards with rewards aren’t known for low interest rates. So even the best rewards cards won’t save you as much as a good 0% credit card on big-ticket purchases that will take months to pay off. When it comes to choosing between rewards cards, we typically recommend cash back credit cards for everyday spending. But frequent flyers and hotel-goers can score some big-time savings by using one of the best travel credit cards.

If you’d like a specific recommendation, you can check out WalletHub’s favorite rewards cards below.

Whatever type of rewards card you decide to focus on, don’t automatically rule out cards with an annual fee. Great rewards can more than make up for the extra cost. Finally, make sure to check your latest credit score because your credit standing will dictate which cards you can qualify for.…show moreshow less

Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase

Earn 2X miles on all purchases

Get 5% miles back to use toward your next redemption, every time you redeem

Miles don't expire as long as your account is open, active and in good standing

Additional Info

No foreign transaction fees on purchases made while traveling abroad

0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness. There is a fee for balance transfers.

Questions & Answers

Comparing Rewards Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less

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Everyone wants a great rewards credit card. But surprisingly few people wind up with the right one. To help solve that problem, WalletHub’s editors compared 1,000+ credit cards with rewards to find the best options for people in each credit category: Excellent, Good, Fair and Bad. We also selected the top offers for various types of rewards.

As you can see, some of the best rewards credit cards offer big initial bonuses. Others provide great ongoing rewards. A few even combine the two. It all comes down to finding a card that suits both your lifestyle and credit standing well.

If you have less-than-good credit or revolve a monthly credit card balance, you should not focus on credit cards with rewards. If you don’t have good credit, you should focus on minimizing monthly and annual fees in order to build your credit standing as inexpensively as possible. If you don’t pay your bill in full every month, the benefit provided by credit card rewards will be eroded, if not wiped out completely, by interest charges. While you might find that some credit building or 0% credit cards offer some rewards, consider that a happy accident.

As always, avoid actually using a credit card if it leads to you spend more than you would otherwise. If this occurs, pay off your credit card balances and lock your card(s) in a drawer. Don’t worry, your credit score will still benefit just from your credit card(s) reporting you as being in good standing on a monthly basis.

You should try to find a credit card with rewards if you plan to pay your bill in full every month. Otherwise, expensive finance charges will quickly eat away at your savings. And rewards should only be your top priority if you have good or excellent credit. People with lower scores may not receive high enough credit lines for their rewards to offset an annual fee. So finding a no annual fee credit card that you can get approved for should be your main goal at that point. If that card happens to offer rewards, all the better.

With that being said, simply determining that a rewards card is right for you is only half the battle. Next, you have to figure out what type of rewards you want and which particular card to apply for. Our editors’ picks for the best rewards cards are a good place to start. And if you would like a personalized rewards card recommendation based on your latest credit score, just sign up for a free WalletHub account.

There are three rewards currencies: points, miles and cash back. Rewards credit cards are also targeted to three main groups: students, small business owners and people with above-average credit. And there are two main types of rewards cards: those affiliated with a particular retailer and those with no such ties.

Credit cards that are affiliated with a retailer may either work only at that retailer or provide extra rewards on purchases made from it.

Each credit card company has its own rewards program. And each credit card rewards program has a unique reputation. Some are known for good customer service. Others are notable for offering rewards cards to people with less-than-good credit.

But you’re choosing between rewards credit cards, not credit card rewards programs. So your credit card rewards comparison should focus on finding the single best rewards card for your lifestyle. In other words, the quality of a rewards program matters in the sense that it impacts what you can redeem your earnings for and how much they’re worth when you do. But a credit card’s core terms – annual fee, rewards earning rates, etc. – are what matter most.

With that being said, the first step in choosing the right rewards program is asking yourself this question: Do I rack up 30,000+ airline miles or 20+ hotel nights per year?

If your answer is “yes,” get one of WalletHub’s best travel rewards credit cards. Most people will be better off with a card that’s equally rewarding no matter where you book travel accommodations. But if you always fly with the same airline or stay at the same hotel chain, it’s worth at least considering that company’s credit card.

If you answered “no,” we recommend getting the best cash back credit card for your spending habits. Credit card companies can easily devalue points/miles by increasing the number that you need to redeem for certain items. That’s not possible with cash. Cash back rewards also give you versatility in that you can redeem earnings for any type of expense by getting a statement credit.

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.